In 2026, the FHA loan limits for Bay-City located within Bay, MI are set at $356,362 for a single-family home. For properties with two units, the limit is $456,275, for three-unit buildings it's $551,500, and for those with four units, the limit is $685,400.
The max loan amounts for conventional loans on a single-family residence are $548,250, increasing to $702,000 for two units, $848,500 for three units, and $1,054,500 for four-unit residences.
Try our FHA calculator to discover today’s optimal FHA rates and uncover the necessary downpayment, income, credit requirements, reserves, and documents needed for qualification.
The Lendersa® calculator helps you evaluate FHA rates and terms against other loan programs. Look into Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA alternatives.
Lendersa® compiles loan data from thousands of lenders and swiftly aligns it with your financial situation to assess your needs.
The Loan Limits Comparison Table for 2026 in Bay-City, within the county of Bay, MI, details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine criteria such as income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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